Most people are not aware that homeowner policies do not cover loss or damage to property as the result of a flood. As insurance agents, one of the most popular misconceptions we hear is that “I don’t live in a flood zone.” Actually, everyone lives in a flood zone. And, you do not need to live near water to be flooded. A flood can be caused by storms, surface water back-up due to inadequate or overloaded external drainage systems, by melting snow, or by changing weather patterns, coupled with new development and landscape changes.

Every year, floods damage more homes in the U.S. than any other natural disaster. You can protect your home, belongings, or business with a flood policy. Renters, condominium or mobile home owners can also purchase flood insurance.

Flood insurance is usually easy to obtain. It doesn’t matter whether your flood risk is high, medium, or low, you can obtain flood insurance as long as your community participates in the federally sponsored National Flood Insurance Program.